i am getting insurance and it says my annual deductible is 750..im not sure what that really means. Everything says i have to pay that before any of my health benefits will work ??? but it says my office copay is 30??
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It will depend on the plan but with most plans if you have an office visit co-pay it is not subject to the deductible. Neither are prescription co-pays. Some plans will have lab work and X-rays covered under the co-pay and others will not, they are subject to the deductible. Also, co-pays are not usually applied to the deductible. After you've paid the deductible most likely you will still have to pay co-insurance (a percentage) until you've paid up to the out-of-pocket maximum (if there is one), after which the plan will pay 100% of medical charges other than the co-pay.
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